German Private Finance

What German Private Finance does

Deutsche Privatfinanz AG is a privately held German financial advisory and insurance intermediation firm headquartered at Heinrich-Hertz-Straße 103 in Kassel, operating as an Aktiengesellschaft (stock corporation) registered under HRB 13841. The company delivers comprehensive, independent financial planning covering insurance comparison (Versicherungsvergleich), retirement planning (Altersvorsorge), real estate and construction financing (Baufinanzierung), investment advisory, depot optimization (Depotoptimierung), wealth building (Vermögensaufbau), asset management referrals (Vermögensverwaltung), direct investments and participations, installment loans (Ratenkredit), and partial property sales (Immobilien-Teilverkauf). It targets eight distinct retail segments — families, career starters, 55+ pre-retirees, retirees, entrepreneurs, academics, freelancers, and civil servants (Beamte) — through a horizontal segmentation approach within Germany only.

The firm's digital infrastructure is non-proprietary and assembled entirely from third-party integrations: a Mandantenportal client portal aggregating multiple broker platforms (Finfire, DAB Bank, Consorsbank, Fondsdepot Bank, FNZ/ebase, FFB/FIL Fondsbank), a self-service investment depot via FIL Fondsbank providing access to over 6,800 funds from €500 minimum, insurance and household comparison calculators powered by SOFTFAIR GMBH, an Onlineberatung video consultation tool, fixed-term deposit products from Creditplus Bank AG, and installment loan products from DSL Bank. Content is supported by a Netfonds AG editorial partnership supplying quarterly Marktberichte authored by Chief Economist Folker Hellmeyer, plus a full Finanzlexikon financial glossary. The firm holds four German regulatory permits (§34c, §34d, §34f, §34i GewO) issued by Stadt Kassel and IHK Kassel-Marburg, with GDPR and EU-US Privacy Shield compliance handled via a Sparda-Bank Hessen data protection officer arrangement.

The business model is commission- and fee-based on placed financial and insurance products, distributed through a hybrid advisor-led consultative sales motion (financial advisors findable via the Beratersuche tool) combined with self-service digital channels. No pricing tiers, subscription plans, or fee schedules are publicly disclosed; the website references "Faire Vergütung" (fair compensation) as a consulting principle. Leadership comprises Michael Kaiser as Vorstand (Executive Board) and Michael Weidmann as Aufsichtsratsvorsitzender (Supervisory Board Chairman). The firm maintains active social media presence on LinkedIn, Facebook, Instagram, and Xing, with website activity through 2025–2026 indicating ongoing operations, but no revenue, funding rounds, M&A activity, or disclosed headcount are evidenced in the available data.

Name

German Private Finance

Legal name

Deutsche Privatfinanz Aktiengesellschaft

Website

https://deutsche-privatfinanz.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Deutsche Privatfinanz AG is an independent German financial advisory firm in Kassel providing insurance, retirement, real estate financing, investment, and credit intermediation services to retail clients across multiple life-stage segments, operating through advisor-led consulting and partner-integrated digital self-service tools.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242), Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Loan Brokers (6163), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)

akta.pro secondary industries

Financial Planning–Led RIAs (FSAAACAB), Comprehensive Financial Planning (FSAEAAAA), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Home Equity & HELOC Intermediaries (FSALABAE)

Keywords

• Financial advisory services
• Insurance intermediation
• Retirement planning
• Real estate financing
• Wealth management advice

Headquarters

HQ city

Kassel

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Financial Advisory Fees and Commissions: Deutsche Privatfinanz AG operates as an independent financial advisory and insurance intermediary, generating revenue through advisory fees and commissions from the placement of insurance and financial investment products. As an independent advisor not bound to specific providers, commissions are earned on insurance policies, investment fund products, real estate financing, and other financial products recommended to clients.

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Deutsche Privatfinanz AG operates as an independent financial advisory and insurance intermediary, offering comprehensive financial planning across insurance comparison (Versicherungsvergleich), retirement planning (Altersvorsorge), real estate and mortgage financing (Baufinanzierung), digital investment access, depot optimization, household optimization, installment loans, and asset management referrals. Services are delivered through a network of financial advisors supported by an online advisory tool, a self-service depot platform (FIL Fondsbank), comparison calculators (SOFTFAIR), and a multi-broker Mandantenportal client portal.

Product overview

Deutsche Privatfinanz AG operates as an independent financial advisory firm offering a comprehensive suite of services for private clients. The core offering consists of financial advisory and consulting services covering insurance comparison (Versicherungsvergleich), retirement planning (Altersvorsorge), asset building (Vermögensaufbau), real estate financing (Baufinanzierung), and depot optimization. The company provides both advisory-led services through the Mandantenportal (client portal) and online consultation tools, as well as self-service options via the FIL Fondsbank-powered online depot opening platform. The product ecosystem includes digital investment tools (Digitale Geldanlage), household optimization calculators (Haushaltsoptimierung), and asset management referrals (Vermögensverwaltung). Target segments include families, career starters, seniors (55+), retirees, entrepreneurs, academics, freelancers, and civil servants.

Differentiator

Problem solved

Functional benefit

Products and services

• Independent Financial Advisory and Consulting Services Comprehensive independent financial advisory and consulting covering insurance comparison, retirement planning (Altersvorsorge), asset building (Vermögensaufbau), real estate financing (Baufinanzierung), depot optimization, and asset management referrals for private clients in Germany.
• Insurance Comparison (Versicherungsvergleich) Online comparison calculator for insurance products, allowing customers to compare offerings from multiple providers and request advisory follow-up. Targeted at private clients seeking coverage across the German insurance market.
• Digital Investment Platform (Digitale Geldanlage) Digital investment platform offering self-directed investors access to over 6,800 investment funds via the FIL Fondsbank (FFB) depot platform, with ETF savings plans from €25/month, minimum investments from €500, and competitive annual depot fees of 0.25% (min €25, max €45).
• Real Estate & Financing (Immobilien & Finanzierung) Real estate consultation and financing solutions covering property purchase (Baufinanzierung/Immobilienfinanzierung), partial property sale (Immobilien-Teilverkauf), and broader real estate advisory for German private clients.
• Household Optimization (Haushaltsoptimierung) Optimization services for household finances including rate credit comparisons (powered by SOFTFAIR GMBH) and savings optimization across insurance and household contracts, targeted at German households seeking to reduce recurring expenses.
• Depot Optimization (Depotoptimierung) Portfolio optimization services reviewing and rebalancing existing client investment accounts (depots) to improve risk/return profiles, targeted at clients with existing investment holdings seeking advisory-led improvements.
• Mandantenportal (Client Portal) Online client portal providing account access, document management, and communication with advisors, integrating depot access to multiple broker platforms (Finfire, DAB Bank, Consorsbank, Fondsdepot Bank, FNZ, FFB) for existing advisory clients.
• Online Advisory Consultation (Onlineberatung) Video-based online consultation tool enabling remote advisory sessions via internet for German clients who prefer digital interactions over in-person meetings; clients need only a PC and/or telephone to connect with advisors.
• Asset Management Referral (Vermögensverwaltung) Referral service introducing German private clients to professional asset management (Vermögensverwaltung) partners for discretionary portfolio management, complementing the company's advisory offerings for clients seeking delegated investment management.
• Installment Loan Intermediation (Ratenkredit) Intermediation of installment loans (Ratenkredite) sourced from DSL Bank (a division of DB Privat- und Firmenkundenbank AG), with Deutsche Privatfinanz AG earning referral commissions on placed loan products for German private clients.
• Participations & Direct Investments (Beteiligungen & Direktinvestments) Advisory and intermediation on participations and direct investments (Beteiligungen & Direktinvestments) for German private clients seeking alternative wealth-building opportunities outside traditional securities.

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Partnerships

Five partnerships are on record, tiered core and minor.

• FIL Fondsbank (FFB)coreTechnology or IntegrationFIL Fondsbank (FFB) provides the technology platform powering Deutsche Privatfinanz AG's self-service investment fund depot offering. Through this partnership, the company offers clients access to over 6,800 investment funds via a digital platform with low minimum investments (€500) and competitive annual depot fees of 0.25% (min. €25, max. €45). The FFB depot platform enables self-directed investors ('Selbstentscheider') to open accounts in approximately 5 minutes without paper documentation.
• SOFTFAIR GMBHcoreTechnology or IntegrationSOFTFAIR GMBH, headquartered in Hamburg, provides the insurance comparison calculator technology integrated into Deutsche Privatfinanz AG's website. This tool enables clients to compare insurance products (Versicherungsvergleich) and household optimization options. SOFTFAIR collects and processes data for generating comparisons and shares relevant data with selected product providers chosen by the client.
• Creditplus Bank AGminorChannel Partner/ Reseller/ DistributorCreditplus Bank AG (based in Stuttgart) is a third-party provider of fixed-term deposit (Festgeld) products offered on Deutsche Privatfinanz AG's website. The company acts as an intermediary, directing clients to Creditplus Bank AG for fixed-term deposit products. Data privacy responsibilities remain with Creditplus Bank AG per their published privacy policy.
• DSL Bank (DB Privat- und Firmenkundenbank AG)minorChannel Partner/ Reseller/ DistributorDSL Bank, a division of DB Privat- und Firmenkundenbank AG (based in Bonn), is a third-party provider of installment loan (Ratenkredit) products offered on Deutsche Privatfinanz AG's website. The company functions as a referral intermediary directing clients to DSL Bank for loan products. Data privacy responsibilities remain with DSL Bank.
• Netfonds AGminorOthersNetfonds AG is a financial services company that serves as the source and original publisher of the market reports and economic commentary (Marktberichte, einBlick articles) featured on Deutsche Privatfinanz AG's website. Folker Hellmeyer, Chief Economist of Netfonds AG, is credited as the author of the quarterly market reports. The relationship is primarily a content licensing/editorial relationship.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Clark: German insurtech offering a digital broker for insurance and financial products with optional human advisory. Adjacent competitor targeting the same digital-first private client base for insurance and wealth products.
• Check24 Vergleichsportal: Germany's largest comparison portal across insurance, banking, telecom, and travel. Competes for digital comparison-driven insurance and financing customers that Deutsche Privatfinanz also targets via its online tools.
• Scalable Capital: German digital wealth manager (now part of Allianz) offering robo-advisor portfolios and self-directed brokerage. Competes for the same self-directed investor segment that Deutsche Privatfinanz serves via its FIL Fondsbank depot partnership.
• Verivox: German online comparison portal for insurance, energy, and financial products. Comparable to Deutsche Privatfinanz's SOFTFAIR-powered insurance comparison tools and digital lead generation approach.

Direct peers

• Honorarfinanz AG: German independent financial advisory network operating on a transparent fee-only model. Direct competitor in the independent advisor segment with similar comprehensive planning services.
• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory network, offering insurance, investment, and financing products through a tied agent model. Directly comparable in scope and product breadth, though DVAG operates at vastly larger scale.
• Quirin Privatbank: German fee-based independent financial advisor and wealth manager serving private clients with comprehensive financial planning. Closely aligned with Deutsche Privatfinanz's independent, holistic advisory proposition.
• Dr. Klein Privatkunden AG: German financial services intermediary focused on mortgage, insurance, and personal finance products for private clients. Overlaps directly with Deutsche Privatfinanz's Baufinanzierung and insurance comparison offerings.
• Baufi24: German online mortgage broker intermediating real estate financing products from multiple lenders. Comparable to Deutsche Privatfinanz's Baufinanzierung and DSL Bank-mediated installment loan channels.
• MLP SE: Public German financial advisory and wealth management group serving private and corporate clients across insurance, retirement, and real estate financing. Comparable to Deutsche Privatfinanz in independent, multi-product advisory model and German mid-market focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/DeutschePrivatfinanz/?locale=de_DE
• LinkedInlinkedin.com/company/deutsche-privatfinanz-ag
• Instagraminstagram.com/deutscheprivatfinanz

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about German Private Finance